Terms of Service
Last updated: October 12, 2020
Please read these terms of service carefully before using Tilisy.
Tilisy is an online service owned and operated by Enable Banking Oy, registered in Tekniikantie 2 F 309, 02150 Espoo, Finland, VAT number FI29884997 (hereinafter “the Company”, “our”, “us” or “we”).
The following terms and conditions govern all use of the tilisy.com and tilisy.enablebanking.com websites (hereinafter “Tilisy” or “the Service”).
Your access to and use of the Service is conditioned on your acceptance of and compliance with the terms and conditions contained herein and all other operating rules, policies (including, without limitation, Tilisy's Privacy Policy) published on the Service by the Company (collectively, “the Agreement”). The Agreement applies to all visitors, users and others who access or use the Service. By accessing or using the Service you agree to be bound by the Agreement. If you disagree with any part of the Agreement then you may not access the Service.
You represent that you are over the age of 18. The Company does not permit those under 18 to use the Service.
To use Tilisy, you must authenticate using your Account Servicing Payment Service Provider (hereinafter ASPSP). After you choose your ASPSP, a temporary user profile is automatically created in order to provide you the Service. The temporary user profile will be closed when you choose to end using the service or after fifteen (15) minutes of inactivity.
The Company is a registered service provider supervised by the Financial Supervisory Authority (FIN-FSA). With your explicit consent, for your use of the Service, the Company may obtain information from your ASPSP about your accounts, cards, and their balances and transactions. The Company cannot guarantee that the Service can be used with all ASPSPs nor that the Service provides all data available through ASPSPs’ services.
You retain the rights to the data that you provide to the Services, including but not limited to the data provided by ASPSPs, but you give the Company a non-exclusive right to use this data so that the Service can function for you.
Paid Services
Optional paid data export is available on Tilisy. The paid service is subject to a one-time payment. Total cost of the service is presented to you before the payment and depends on the options you choose and additional information, such as discount/promo codes, you provide. Payment can be made through a card payment such as Visa or MasterCard and is processed by Stripe payment processing service.
By making a request through the Service to make data export (hereinafter “the Order” or “your Order”), you warrant that you are legally capable of entering into binding contracts.
You represent and warrant that: (i) you have the legal right to use any credit or debit card(s) in connection with any Order; and that (ii) the information you supply to us is true, correct and complete.
By submitting such information, you grant us the right to provide the information to Stripe payment processing service for purposes of facilitating the completion of your Order.
We reserve the right to refuse or cancel your Order at any time for certain reasons including but not limited to:
- Expiration or revocation of consent from the ASPSP side;
- Errors occurred while data export.
We reserve the right to refuse or cancel your Order if fraud or an unauthorized or illegal transaction is suspected.
The Company reserves the right to revise its prices at any time prior to accepting the Order.
Links to Other Websites
Tilisy may contain links or redirect you to third-party web sites or services that are not owned or controlled by the Company, including but not limited to ASPSPs’ web sites or services.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise you to read terms and conditions and privacy policies of any third-party web sites or services that you visit.
Intellectual Property
The Agreement does not transfer from the Company to you any Company’s or third party intellectual property, and all right, title and interest in and to such property will remain (as between the parties) solely with the Company. Tilisy, Tilisy.com, the Tilisy logo, Enable Banking Oy, Enablebanking.com and all other trademarks, service marks, graphics and logos used in connection with the Service, or the Company are trademarks or registered trademarks of the Company or the Company’s licensors. Other trademarks, service marks, graphics and logos used in connection with the Service may be the trademarks of other third parties. Your use of the Service grants you no right or license to reproduce or otherwise use any Company’s or third-party trademarks.
Termination
We may terminate or suspend your access immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Agreement.
If for any reason you no longer wish to use the Service, you have to exit the Service and all your personal data will be permanently deleted or anonymised no longer than after twenty four (24) hours after you used the Service last time.
Upon termination, your right to use the Service will cease immediately.
Limitation of Liability
Notwithstanding any damages that you might incur, the entire liability of the Company and any of its suppliers under any provision of the Agreement and your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by you through the Service during the twelve (12) month period prior to the cause of action or 100 EUR if you haven't purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of the Agreement), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to you "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf its and respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to you. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
Governing Law
The laws of Finland, excluding its conflicts of law rules, shall govern the Agreement and your use of the Service. If you are a European Union consumer, you will benefit from any mandatory provisions of the law of the country in which you are resident in.
Disputes Resolution
If you have any concern or dispute about the Service, you agree to first try to resolve the dispute informally by contacting the Company.
United States Legal Compliance
You represent and warrant that (i) you are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) you are not listed on any United States government list of prohibited or restricted parties.
Severability and Waiver
If any provision of the Agreement is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Except as provided herein, the failure to exercise a right or to require performance of an obligation under the Agreement shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall be the waiver of a breach constitute a waiver of any subsequent breach.
Translation Interpretation
The Agreement may have been translated if we have made them available to you on the Service. You agree that the original English text shall prevail in the case of a dispute.
Changes
We reserve the right, at our sole discretion, to modify or replace the Agreement at any time. It is your responsibility to check the Agreement periodically for changes. If a revision is material we will make reasonable efforts to notice you prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.
By continuing to access or use the Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, in whole or in part, please stop using the Service. The Company may also, in the future, offer new services and/or features through the Service (including, the release of new tools and resources). Such new features and/or services shall be subject to the terms and conditions of the Agreement.
Contact us
If you have any questions about the Agreement, you can contact us by email at tilisy@enablebanking.com.